Policy

This briefing considers the need for increased landlord regulation in the private rented sector, examining the need for licensing, best practice experience elsewhere and concludes with key principles which should inform the development of any such proposals.

In the course of our work, we regularly advise and represent clients who are financially excluded. In our experience, financial exclusion is a significant concern in Northern Ireland, and the patterns of this exclusion are often distinct from the rest of the United Kingdom.  Housing Rights is therefore grateful for the opportunity to offer some comments on several topics highlighted in the Select Committee’s call for evidence.

Since 2009, Housing Rights has delivered a Mortgage Debt Advice Service for homeowners in Northern Ireland. In 2015/16, this service dealt with 1,406 cases of mortgage debt. Our solicitors also represent borrowers in Court possession proceedings, including a strategic case involving lenders’ treatment of arrears. Housing Rights is therefore pleased to respond to the Financial Conduct Authority’s consultation on two Handbook changes relating to mortgage borrowers with a payment shortfall.